Peach State offers a variety of VISA® credit cards to fit your life with rates as low as 6.9% APR and 0% for six months on all new purchases and balance transfers!1
All of our credit cards offer:
-
25-day grace period on purchases
-
Free balance transfer option
-
Fee-free cash advances
-
Auto rental collision damage waiver – secondary
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Emergency card replacement
-
Emergency cash disbursement
-
Lost/stolen card reporting
Reward Cards Include:
ScoreCard Rewards
You’re automatically enrolled to earn one bonus point for every dollar spent in net retail purchases. Redeem the points and browse the store at: www.scorecardrewards.com
VISA® Student Platinum with REWARDS Credit Card
LOW 14.9% Annual Percentage Rate2
Minimum age is 18. A guarantor may be necessary if your annual income is not sufficient for repayment.
Peach State VISA® Credit Card Disclosure
Interest Rates and Interest Charges
|
Platinum A+ no rewards |
Platinum A+ with rewards |
Platinum A with rewards |
Platinum with rewards |
Student with rewards |
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness. |
6.9% |
8.9% |
10.9% |
12.9% |
14.9% |
APR for Balance Transfers |
6.9% |
8.9% |
10.9% |
12.9% |
14.9% |
APR for Cash Advances |
6.9% |
8.9% |
10.9% |
12.9% |
14.9% |
Penalty APR |
NONE |
NONE |
NONE |
NONE |
NONE |
How to Avoid Paying Interest on Purchases |
Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees
|
Platinum A+ no rewards |
Platinum A+ with rewards |
Platinum A with rewards |
Platinum with rewards |
Student with rewards |
Annual Fee |
NONE |
NONE |
NONE |
NONE |
NONE |
Transaction Fees
|
Platinum A+ no rewards |
Platinum A+ with rewards |
Platinum A with rewards |
Platinum with rewards |
Student with rewards |
Balance Transfer |
NONE |
NONE |
NONE |
NONE |
NONE |
Cash Advance |
NONE |
NONE |
NONE |
NONE |
NONE |
Foreign Transaction |
1% of the converted transaction amount |
1% of the converted transaction amount |
1% of the converted transaction amount |
1% of the converted transaction amount |
1% of the converted transaction amount |
Penalty Fees
|
Platinum A+ no rewards |
Platinum A+ with rewards |
Platinum A with rewards |
Platinum with rewards |
Student with rewards |
Late Payment |
$25 |
$25 |
$25 |
$25 |
$25 |
Over-the-Credit Limit |
NONE |
NONE |
NONE |
NONE |
NONE |
Returned Payment |
$25 |
$25 |
$25 |
$25 |
$25 |
Other Fees |
$30 application fee refunded if approved |
$30 application fee refunded if approved |
$30 application fee refunded if approved |
$30 application fee refunded if approved |
$30 application fee refunded if approved |
During Business Hours:
678.889.4328 or 855.889.4328
To report a lost or stolen ATM or VISA® Check (Debit) Card After Hours:
770.338.4180
To report a lost or stolen VISA® Credit Card After Hours:
800.325.3678